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Cottage insurance

Protect your oasis of peace.

Unlike your primary residence, you do not live in your cottage all year round. That’s why your coverage will be determined by the amount of time you spend there. But there are other elements to consider, such as its value, its location, or the value of your belongings inside the house.

Accueil | Home insurance | Cottage insurance


Fill out our form in less than a minute to get a quick quote. You can also contact one of our brokers!

1 888 625-6846

Second home or seasonal residence? What’s your reality?

Assurance chalet résidence secondaire 500x333 - Malouin assurance

Do you have a three-season cottage located near a lake? Deep in the woods? A condo at the foot of the ski slopes? A small country house? Do you go there all year long or do you use it seasonally?

When determining the value of your second home, we do not consider the price you paid for it. We also do not consider the municipal assessment. You have to estimate what it would cost you to rebuild it if it were completely destroyed. 

Are you renting out your cottage?

Assurance location chalet - Malouin assurance

In the case of a rental cottage, there are other elements to consider. In fact, insurance contracts generally exclude professional activities in a residence. Renting is one of those activities. If you choose to rent out your cottage, choose an insurer that specializes in this field.

Above all, don’t hide your activity from your insurer, because in the event of a claim, you won’t benefit from any protection. And keep in mind that your broker is there to answer all your questions!

Basic coverage

Depending on how you use your vacation home, basic coverage may be ideal for you.


To cover damages that could be caused to a third party in case of an incident on your property.

Theft, fire and vandalism

Get peace of mind with coverage against theft, fire, and vandalism.

Additional coverage

Different realities? Different options!

Depending on your reality and your risk tolerance, you may want to upgrade your coverage. You can add options to your basic coverage.

Legal protection option

This additional protection is ideal for legal concerns.

Water damage option

To protect you in the event of damage caused by a broken water inlet or overflow, a leak or accidental sewer backup.

Natural disaster option

This option protects you from damage caused by wind, lightning, tornadoes, etc.

Dependencies option

Want to protect your garage or your shed? This option is the right choice.

General questions


Will the cost of my cottage insurance change depending on my usage?

Yes, depending on whether you are a year-round or seasonal user, your coverage will differ and so will the premium.

Do I have to insure my cottage or my second home?

No. Unlike auto insurance, which is mandatory, you are not required by law to insure any type of home. But without insurance, the losses could be considerable in the event of a disaster. Protecting your cottage and its contents is a preventative measure. In addition, if you have a mortgage, your financial institution will often require you to have home insurance.


I am Arthur, your intelligent virtual assistant in property and casualty insurance.

I was named in honor of the founder of Malouin Assurance, Arthur Malouin. I hope I can serve you with the same level of care as Arthur did. You can ask me questions, request a quote or communicate directly with a broker (by phone or via chat).

To find the best coverage for you

We work with the best suppliers

Having a hard time finding your way around all the insurance companies? We are here to advise you and to find the best coverage for your needs, based on your reality. This is the role of a broker, and we take it seriously.

Simply excellent service!

Annabelle Perras

Professional and efficient brokers!

Michel Bédard

Quote request

We will answer you as soon as possible.

Fill out our form and our agents will be pleased to process your request to your complete satisfaction. They will then contact you as soon as possible!




1 888 625-6846

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